USDC

SevereArrivals13

Moons, fantastic deflationary tokenomics, growing use cases, top exchange listings, supported by the largest crypto community in the world, has a growing treasury in USDC as well which will be used to fund listings, buybacks and earn APY. No other project has these partnerships and this is only in the past 2 months or so. https://docs.google.com/spreadsheets/u/0/d/1TZVE_3DCbox2bfObBXvYcOZOMNw62l6bjZfGLD-g2rA/htmlview#gid=0

BunnyKomac

Depends how you get paid, if it's USDC or USDT, it's safe, can fluctuate a tiny % but it's stable. If you're paid in the coin of your company then it's a bit more volatile, depending on the market cap of the coin. The higher it is, the less volatile it can be. If you wanna invest what you earn, then it's a bit easier since you can just directly buy your favorite coins instead of having to first deposit from the bank and then doing everything else. Hope I was clear enough lol.

SevereArrivals13

Yep and Moons have infinitely more going for them Just take a look at our recent advertisers below, no other project can brag of having worked with these names and we are only growing our burns, liquidity and maybe most importantly our treasury in USDC which could be used for future listings, buybacks, APY yield generation or anything else we decide on. https://docs.google.com/spreadsheets/u/0/d/1TZVE_3DCbox2bfObBXvYcOZOMNw62l6bjZfGLD-g2rA/htmlview#gid=0

arctic_bull

Neither does any major stablecoin on a public chain. The actual dollars are custodied at the issuer and the issuer can freeze the USDT or USDC (and several others) in your wallet by publishing your wallet address on their blacklist that all the miners check.

Y0l0BallsDeep

There are two undisputed facts about this company that still stand until this day: 1. Founding/ current management team are sketchy as hell. 2. They have never had a comprehensive financial audit by a major accounting firm under standard audit practices. This isn’t FUD, this is the truth. People shouldn't trust the tether foundation instead chooses USDC, Paxos...etc

funkinaround

Here is what I see in the Deloitte opinion of the Circle S-1 > Deposits from Stablecoin Holders—Refer to Note 2 to the Financial Statements > Critical Audit Matter > Deposits from stablecoin holders are funds received from customers from the issuance of Circle stablecoins. This represents claims from the stablecoin holder associated with Circle’s obligation to redeem stablecoins on a one-for-one basis. Circle stablecoins are the USDC and EURC payment stablecoins and are digital currencies issued natively on blockchain networks. All stablecoins issued and outstanding are backed by at least an equivalent amount of fiat currency denominated reserve assets. Stablecoins not accounted for could result in the amount of claims from the stablecoin holder to be more than the amount of reserve assets. > We identified deposits from stablecoin holders as a critical audit matter due to the fact that the issuance and redemption of stablecoins requires complex computer code operations and smart contracts. The nature and extent of audit effort required to address the matter includes significant involvement of more experienced engagement team members and involvement of specialist. > How the Critical Audit Matter Was Addressed in the Audit > Our audit procedures related to deposits from stablecoin holders included the following, among others: > • We tested the effectiveness of controls over management’s minting and burning process for the issuance and redemption of stablecoins. > • We tested effectiveness of controls over management’s reconciliation of reserve assets to stablecoin in circulation on approved blockchains. > • We utilized our proprietary audit tool and involved specialists to independently obtain evidence from public blockchains to test the completeness of stablecoins minted and outstanding by blockchain. > • We evaluated the reliability of audit evidence obtained from public blockchains. If they were able to tie every deposit and withdrawal to a USDC mint/burn and verify the entire history, wouldn't they say that rather than "testing effectiveness of controls" and "obtain evidence".

CarriesLogs

Believe it or not but Circle is the one that mints and burns USDC. Their financial statement audit would include auditing their cash and all of these mints and burns of the stablecoin USDC. P.S A CPA who has worked for big 4

funkinaround

A financial statement audit of Circle is not a USDC stablecoin "full audit".

milnivek

https://www.binance.com/en/trade/USDC_USDT?type=spot Look at the orderbook liquidity at 0.9999 and 1.0000

coinfeeds-bot

tldr; Upbit, a South Korean cryptocurrency exchange, reported a $36 million hack involving Solana-based assets on November 27, 2025. The breach affected tokens like SOL, USDC, BONK, and others, with stolen funds sent to external wallets. Upbit suspended Solana network services and initiated emergency inspections to protect user funds. The incident coincided with Dunamu's announcement of a partnership with Naver to invest in AI and Web3 technologies. Upbit assured users it would cover losses using its own assets, highlighting vulnerabilities in hot wallet systems. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

thinkingperson

Every now and then, there are questions about USDC or USDT. This week we have USDT at the podium.

AryanPachhai

Backpack definitely looks shiny on first impression — clean UI, big investors, and the whole “new but promising” vibe. Totally get why it caught your eye. Just remember newer platforms still have to prove themselves over time, so I’d treat it as something to try, not somewhere to keep most of your funds right away. A few things from my own trial-and-error: • High leverage (like 50x) is more of a marketing thing — even experienced traders rarely touch that. • USDC lending at ~6% is fine, just be aware that yields usually depend on market demand, and rates can drop fast. • What matters more long-term is how smooth deposits/withdrawals are and whether they have consistent liquidity. If you want something more established to pair with it, Kraken Pro has been the most “no drama” for me. Some folks also use OKX/Bybit for trading tools, then self-custody for anything they’re holding. And for tokens not listed or if you want to move across chains without relying on an exchange, I’ve used Rubic here and there — people talk about it in Rubic a lot. If you do try Backpack, report back — curious how their fees feel in real use.

Slimalicious

USDC literally provides the CUSIPs of their T-Bills.

funkinaround

Show me the "full audit" of USDC.

funkinaround

Tether does the same audit (attestation) as USDC.

funkinaround

USDC is just as audited as Tether.

OrdinaryReasonable63

USDC is GENIUS ACT compliant, so it's backed by treasury bills and is audited. IIRC they are technically held in custody for USDT by Blackrock but they publish audits, you can look at the portfolio of holdings here: [https://www.blackrock.com/cash/en-us/products/329365/](https://www.blackrock.com/cash/en-us/products/329365/) Tether: ??

StatisticalMan

USDC does not have fractional backing and it is backed only by dollars. 1 USDC = >$1 USD held in reserve. USDT on the other hand who knows. Trust me bro cryptography.

Routine-Tomato-6896

it's like escaping one sinking ship by jumping onto another slightly less leaky boat, the irony is real but hey at least USDC doesn't randomly lose 50% overnight when their president tweets something stupid

_Commando_

USDT, USDC are following the same fractional reserve banking practices as banks... so banks are now salty?...

StatisticalMan

Tether has never been backed 1:1 WITH DOLLARS which is the key thing. Tether has $x worth of "stuff" backing x USDT. That stuff includes crypto currencies which can and do lose value. USDC is backed 1:1 with dollars and audited and under regulatory oversight. Tether is and always has been "trust me bro". It will work until it doesn't.

CloudCity40

USDC https://www.circle.com/transparency

Patient-Lifeguard906

It seems to me that it only accepts USDC. Personally I put my DCA on hold there. When the prices of the cryptomoners in which I regularly invest fall, I withdraw what I want for my DCA, for the moment I am a winner, it works well. Transfers are instantaneous, on the Solana network. I wouldn't spend a fortune on it because according to my research Lince is a fairly recent dapp. But I put between 100 and 500 usdc which comes and goes.

NoStress42069

USDC I think yes last I used was 6% but you know the risks of staking

Crypto4Canadians

Check out Bitget as you can earn on both USDC and USDT. They're KYC. I've actually made a YouTube short showing people step by step on how to earn interest on USDC with them if you're interested: [https://youtube.com/shorts/9Wk2S6zIWe4](https://youtube.com/shorts/9Wk2S6zIWe4) I hope that helps and feel free to ask any questions if you've got any.

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Calm-Professional103

My USDC yield

Routine-Tomato-6896

people literally using USDC to buy groceries because their own currency is completely fucked

OkMathematician168

at least stablecoin like USDC will become mainstream. - it complies to regulations, - backed by us treasury, FED loves this - circle is public trade company

UzItOrLuzIt

True, no brick and mortar offerings but Coinbase is actually offering loans that you can use for whatever you want. That said, lets flip the script a little...what yield on cash/USDC does JPM pay vs. Coinbase? What are their protocols for custodying my coins? What coins do they allow direct swapping between? How long does it take for them to settle funds for my international transactions? What are their fees for secure transactions (wire transfer)? What are their hours of operation? One entity is building for the future, the other is clinging to the past.

oak1337

XRP is a memecoin in a business suit. They are delusional, bots, or paid shills. They have a max TPS of 1500 theoretically. This can't handle one payment network (Visa does 10-20kTPS), let alone world finance. They've pivoted several times and are failing each time. Cross border payments? Anyone can do that - DOGECOIN can do that. They want to be a bank? LOL nope. Pivot to Stablecoins with RLUSD? No one wants to use it, there's better options like USDC. More than 80-90% of "Ripple partnerships" will NEVER touch XRP. Only 50% of the XRP supply is released, plenty of dumping on retail remains. On Demand Liquidity ODL - LOL - are they saying that world finance doesn't have the LIQUIDITY to function??? Hedera Hashgraph is superior by every metric, and is a true utility. Hedera Consensus Service (HCS), Hedera Token Service (HTS), EVM Smart Contracts, Stablecoin Studio, RWA Tokenization Studio, AI Agent Studio, NFT Studio, etc etc -- UTILITY. HBAR has superior (best mathematically possible) security, unlimited scalability, is more decentralized. The Trilemma is defeated. HBAR > XRP

Aerocryptic

How having USDC can be considered disruptive? Like seriously? Another defi L1 with the same functionalities that many already have. Who cares about speed these days? Blockspace has become so cheap that you can use all the major L1s and L2s without any bottlenecks issue

GivePianoMotivation

What other layer 1’s have had USDC on day one? The speed and ethereum compatibility definitely is disruptive.. having worked with some of the management team, I’m placing my bets

GivePianoMotivation

A new layer 1 just launched that’s industry disrupting, competing with Solana, and is at #127 with USDC native on day 1, and you aren’t absolutely filling your bags? Monad Top 10 Q1 2026.

fivebillionproud

I find the timing of this story weird. Maybe it's a coincidence, but just days prior to this, all of the attention was on Cardano's stable coins depegging, which reignited discussion and fingerpointing over the fact that Emergo and Cardano Foundation still haven't gotten USDC or USDT on Cardano. Charles said in a tweet that he's not responsible for getting a stablecoin on Cardano, and says it's the Foundations job. Then this exploit happens and all entities supposedly come together for the chain and its holders, which I guess eased concerns that they're incapable of working together. Hooray. Maybe \*\*this\*\* \*\*time\*\* they're serious on getting things done? No need to talk about stablecoins, guys! Look what Cardano just did! Just ignore that ADA is way lower than 2017/2018 peak! The whole thing is weird to me.

One-Tough9061

Also to update you all.. during this 1.5 months, I have invested (DCA+spot trade) 45k USD, still have 12k USDC to ride through the fear market. CMC now is 10, meaning extreme fear and I see the price already bottoms at 80K and today it bounced back to 87K. We are still in cycle 4, past 1 month is NOT bear market, but a mid term trap. I think ATH will be around Q1 2026 at 150-180K follow by 1 year bear market till EOY 2026 This is definitely not financial advise, the reason I could invest so heavily is because I want BTC to take up a certain percentage of my portfolio. Even now am not there yet. So portfolio rebalancing is more prudent than go all in

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Electrical_Main_4253

Not really. Stablecoins aren’t killing the crypto market, they’re actually fueling it. They give traders a safe parking spot, make liquidity deeper, and make cross-chain moves way smoother. Without stables, the market would be way more chaotic. They only feel like a problem when people sit in USDT/USDC too long instead of rotating back into crypto. But overall, they help the whole ecosystem run.

dreamingfighter

You forget that there are several types of credit as well. Be it Visa, Mastercard, American Express, Discover... (I know they are just brands but so are USDT, USDC...). If enough people adopt stablecoins, somebody will create a gateway payment for them

Elean0rZ

Not really. [USDC](https://www.circle.com/transparency) and [Tether](https://tether.to/en/transparency/?tab=reports) both publish their reserves and issuance schedules and are third-party audited. There's room to quibble about their present-day collateral comprising sizeable portions of US Treasury securities rather than cold, hard cash, and there have certainly been some accounting shenanigans in the past before regulatory standards caught up, but per available evidence they're fully collateralized nonetheless. Most banks, as a point of comparison, are only around 15%+/- capitalized at any given time, so the bar is frankly fairly low. Dollars are minted "out of thin air" in some senses, yeah. Most money is created when banks issue loans, which is done subject to various criteria, so it's not totally arbitrary either.

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Right-Tumbleweed-491

You niggas is scared lol just put your money in USDC and wrap your whole crypto journey up 

Hidden5G

Tether isn’t “reliable, audited collateralization.” That’s the core mistake here. A pegcoin only works if the issuer is transparent, and Tether still refuses to provide a full, independent audit after more than a decade in business. That’s why Bluechip rates it D. It’s why regulators in parts of Europe have restricted it. And it’s why so many payment specialists, risk officers, and treasury people don’t treat USDT as a trustworthy bridge between fiat and blockchain. You’re right that the concept of a fiat backed token isn’t meant to be decentralized. The goal is to move dollars on chain. The problem is how that’s done. A company that controls billions in customer deposits but avoids audits and keeps its reserves offshore isn’t “bringing value onto the blockchain in a reliable way.” It’s introducing counterparty risk that’s bigger than most banks. If you want an example of how this should be done, look at RLUSD. It has an A rating from Bluechip because the reserves are held by BNY Mellon, with regulated custody, full transparency, and real oversight. USDC lands in the middle with B+, because they publish monthly attestations and work with U.S. regulators. So yes…stablecoins act bank like on chain. But Tether skips the safety rails that banks are required to have. When a company won’t repeatedly submit to a full audit, has been fined for misrepresenting its reserves, and holds assets in opaque offshore entities, you don’t get reliability…you get a risk that everyone pretends isn’t there until something breaks. That’s the part your explanation leaves out.

Hidden5G

Tether works the way you described..people hand over dollars, Tether hands back a token, and Tether controls the reserves. You’re right that this feels a lot like a bank, and that’s exactly why so many people have concerns about it. The issue isn’t that the model is impossible, it’s that Tether has a long history of avoiding transparency. Well known history of full audit avoidance. Bluechip…the independent ratings group for stablecoins, gives Tether a D rating because they still don’t provide a full audit, only quarterly “attestations,” and their own terms allow them to delay redemptions if their reserves aren’t easily available. That’s why parts of Europe have restricted or discouraged the use of USDT..regulators don’t like the opacity, and some exchanges there are phasing it out. They’re trying to fool everyone with their “new” stablecoin. On the other hand…for example…RLUSD is built in a completely different way. It has an A rating (the highest) from Bluechip because its reserves are held by BNY Mellon, one of the oldest and most trusted custodians in the world. It’s issued under a New York trust license, it’s fully regulated, and it’s designed for real payments and institutional settlement rather than a giant offshore casino. USDC sits in the middle with a B+ rating more transparent than Tether, not as strong as RLUSD. your instincts are right. Tether is centralized, it acts like a bank without the regulation of one, and that’s why its rating is so low. The point of stablecoins isn’t decentralization..it’s convenience and liquidity, but some are built responsibly and some cut corners. Tether cuts corners. RLUSD does not.

Elean0rZ

>a decentralized version of tether Algorithmic stablecoins tried to be that. They were very hot a few years ago. The problem is, they only worked as intended *most* of the time. That's no bueno for something whose literal MO is stability. There are also crypto-collateralized stablecoins like DAI/USDS or DigiDollar, and those have worked out better, but they have a hard time scaling consistently since their collateral is subject to so much price fluctuation. Things are fine when number go up, but when number go down maintaining the pegged value potentially requires liquidation of the collateral. They also require aggressive overcollateralization to begin with, plus can only be redeemed for $1-equivalent of the collateralizing asset (e.g., ETH or DGB), as opposed to an actual $1 of fiat, which is a crucial distinction if things are really hitting the fan. To extract your intended value you still need to be able to turn around and trade that $1-equivalent for $1 of fiat, which may be difficult/impossible. In other words, yes, they do work in the sense that they keep their $-equivalent value, but the limitations inherent in how they work mean they aren't as practically useful for some of the core use-cases you'd want a stablecoin for in the first place (or at least not consistently and predictably so, depending on current market conditions). Not to suggest they have no use, especially if decentralization is paramount, but their utility can only be fully realized in a more limited set of circumstances--let's say that. All of that said, if we're talking centralized stablecoins, Tether isn't the only show in town. USDC centralized but at least it's simply and transparently so. And ones like PYUSD are also reputable.

osogordo

To get decentralized finance to work the way people want it to work, you need a US dollar representation in the system. You can either use a centralized USD token like Tether or a decentralized one like Dai. People seem to like Tether and USDC. Even though it's not decentralized, it's still compatible with how the ecosystem works.

kyuronite

100% a scam. Coinbase doesnt support USDT, they push users to use USDC as USDC is what coinbase makes the $ on.

floppypretense

Stablecoins aren’t killing crypto. They’re finally giving it a real use-case. They’re the infrastructure, not the competition. BTC/ETH don’t need to be currencies to matter. BTC is a store of value, ETH is the settlement layer for everything being built on-chain. Their volatility doesn’t make them useless, but it just means they’re not meant to replace day-to-day money. What’s actually happening is that institutions are shifting from pure speculation to productive on-chain assets: tokenized treasuries, bonds, real estate, revenue-sharing… all the “real world” stuff. And this is where stablecoins are the fuel. Once you have stable on-chain money (USDC, USDT, etc...), you can invest it into actual assets, which is why platforms like Fractionvest, Ondo, etc... are popping up. So no, stablecoins aren’t destroying crypto. They’re the bridge to the phase where crypto becomes useful, not just volatile charts.

Antique-Worth323

Why? You’d ride them all the way down instead of selling them for USDC And waiting until the bottom is in then rebuying for 4Xs the assets you once held? Thats how you stack crypto and make far more than if you had held. Does no one understand this game? Holding is ridiculous when the indicators are pointing down! Sell high, buy low= increases your holdings Holding = watching your money decrease

-5H4Z4M-

75% Bitcoin, 10% Ethereum, 5% BNB, 2% USDC 8% left are for more risky projects , Hyperliquid, Solana, Monero, Aster and Aave. by "risky" i mean according to my own opinion of course.

tinytyler12345

Hold, or sell for USDC now and reinvest after it's crashed some more?

non3type

Honestly banks are only doing it with institutional clients. You could borrow from a crypto based lender but those interest rates are higher and often end in USDC. Converting the USDC and transferring it out involves fees. Going that route you’re probably losing almost as much in interest as you would with the 15% gains tax.

anogio

A software glitch at Binance, if the news is to be believed. The USDC or something like that, very briefly dropped to $0.65, due to some liquidity issues. Then, that triggered auto liquidation of futures in error, which cascaded to genuine liquidations. Then the whales moved in and are now controlling the market price to acquire more btc.

masterctrlprogram-

Posting 1 BTC as collateral never borrow more than $25k USDC and you’ll be fine.

Sandharbor

Looking for ones actually being used and taking in fees, creating revenue for the chain/protocol. I own and will accumulate some of these based on them taking in high fees, decent tokenomics, some in addition buy back and burn making them potentially deflationary.  AAVE  SKY   SOL ETH COIN(stock) it’ll benefit from multiple facets of the market; Base, Aero, USDC, being an exchange, coinbase ventures, holds crypto on treasury, etc May add UNI didn’t do good this run but is established, implementing a burn to reward holders, and takes in one of the most fees. 

BoringPrinciple2542

I saw a crypto scam that I’m pretty certain used a drainer on their community to improve sentiment 😂. The main guy got “hacked” and posted links that drained their communities wallets. As a show of good faith, the team sent everybody USDC to cover their losses. Needless to say sentiment goes wild and everybody questioning why monthly payouts had been delayed. A couple weeks later I was going through team wallets and saw around $5k sent to infernal drainer shortly before the “hack”…. Couldn’t get anybody to provide a transaction hash from the exploit but I’m pretty certain they robbed the community, liquidated their crypto, then sent it back and then played hero 🤣.

watch-nerd

Sitting on a big pile of USDC.

SocialScope_0912

Switching to USDC can work only if you know when to re-enter most people don’t. MentTech Labs usually sees better outcomes with simple long-term strategies.

torkildj

100% USDC here. laughing my fucking ass out. Cheap korn come to daddy

BlindDriverActivist

Cashed out in to USDC with a plan to DCA back in to Bitcoin through 2026. Alts were annihilated and I’m not touching them for the foreseeable future.

PsychologicalBit803

Exactly! I’ve been putting money in USDC the entire year waiting for a big discount! 30%ish is pretty great!

coinfeeds-bot

tldr; The Algorand Foundation has announced an integration with Coinify, enabling consumers to use USDC on Algorand for payments via Coinify’s gateway. Merchants can also receive settlements in USDC on Algorand. This integration enhances stablecoin payment adoption by combining USDC's stability with Algorand’s low transaction costs and security. Coinify, a Denmark-based fintech company, supports crypto payments globally and offers various digital asset services. This partnership aims to expand USDC payments on Algorand worldwide. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

OuchMyCoins

I leave mine in USDC for a higher yield than sitting in my bank. Just need to understand (and accept) the (not your keys) risk.

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Just_Marzipan_7001

Welcome to the rabbit hole! You have two different needs. For the untraceable transactions, you should research specific privacy coins like Monero or Zcash. For the holding value/experimenting part, you need a stablecoin like USDC or USDT. That lets you experiment with wallets and purchases without the massive volatility of BTC. When you're ready to start, avoiding operational mistakes means prioritizing platform security and simple access. I use BYDFi. They offer over 1000 spot assets for learning the markets and use cold storage for security. Best of all, they support NOKYC access, which makes the initial setup super fast and low commitment.

outoftownMD

No they sold INTO fiat or USDC/some stable. Price dips then they buy back in lower

IsItSafe2Speak

I'm sure he's not joking. Some people are very emotional over this stuff. They try and time the market. You have to make the mistakes to learn the lessons. You keep a bunch of USDC aside and dont buy the small dips that tempt you. You wait until there's a blood bath then make an entry.

MakCapital

If it's not Bitcoin it should only be the networks people actually issue on and trade on. That's Hyperliquid & Solana. Could argue Ethereum, but makes more sense after it scales or monetizes L2s. That's it. Literally no one uses Cardano. It runs 1tps max. A ghost town even after all these years of pushing for adoption. Solana can execute more trades in a couple days than Cardano has seen in its entire existence. Solana & Hyperliquid returned billions to investors this cycle. Cardano returned nearly 0. Doge is a meme, but at least it doesn't pretend to be anything else. Memes trend to 0 against BTC. Always. Don't understand how crypto buyers are still so lost. There's only one Bitcoin. The only L1 that gets a rev exception. Everything else you're buying better be the place everyone issues and trades on. That activity can be monetized. Nearly 2 decades of proof any coin without activity eventually trends to 0 against BTC. Need value producing assets, but doesn't mean some won't see massive meme pumps along the way. Eventually the meme pump ponzi game fizzles. This does not make a good investment. Use prediction markets or perps if you're here to gamble. Coins & tokens just represent ownership over something else. Just like a stock represents ownership over a company. SOL, HYPE, ADA represent ownership over those networks. Don't own things no one uses. Same applies to tokens. USDC is ownership over fiat. JLP is ownership over an index. Nvdax token is ownership over Nvidia. Protocol tokens are ownership over the protocol (with no regulatory guarantees if admin keys are still in play). Understand what you own when you buy any token or coin. Make sure people actually use that thing you own or there's no way to capture value from it.

PsychologicalBit803

Bigger sale means bigger bag!! Been buying USDC daily all year just for this time. Now I buy.

uthillygooth

Lower the minimum buy-in to 25 or 50 USDC. It’s at 100 now.

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Post is by: Hagya_ant and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1p194gu/crypto_lending_just_hit_a_new_alltime_high_but/ Crypto-collateralized lending has officially surpassed its 2021 peak, reaching a new all-time high at the end of Q3 2025, according to Galaxy Research. But it’s not just about the numbers - the structure of the lending market today looks very different from the last cycle. Back in Q4 2021, on-chain borrowing made up 48.6% of the total market. Fast forward nearly four years later, and that figure has jumped to 66.9%. DeFi lending protocols like Aаve and Cоmpound, alongside collateralized debt positions (CDPs) like MakerDAO’s DAI, have taken a larger share of overall crypto credit. Even within on-chain activity, the mix has shifted dramatically: In 2021, CDPs represented 47% of on-chain borrowing. By Q3 2025, that dropped to just 16%, while lending apps now dominate with over 80%. That means the market is moving away from synthetic, crypto-backed stablecoins and toward lending based on centralized stablecoins like USDT and USDC. On the CeFi side, Tether, Nехо, and Galaxy remain the top three tracked lenders by Galaxy Research: Tether – $14.6B open loans (≈59.9% market share) Nехо – $2.04B (≈8.4%) Galaxy – $1.8B (≈7.4%) Together, these three control more than 75% of the CeFi lending market. That level of concentration signals maturity and trust consolidation. For Nехо, holding over $2B in outstanding loans puts it firmly in the global top tier of digital asset lenders. Even with small fluctuations in market share, its consistency highlights user confidence and operational strength. Overall, this cycle’s leverage is more transparent, better collateralized. The industry hasn’t just bounced back - it’s evolving. What do you think: are we finally seeing crypto credit mature into real financial infrastructure, or just the next stage before another leverage reset? Source: https://galaxy.com/insights/research/crypto-leverage-q3-2025-defi-cefi-lending-digital-asset-treasury-debt-futures-perpetuals *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Alarming-Bite-8005

Man, that's a huge life moment. Don't let the emotional attachment to the stack jeopardize the move. You absolutely need to start de-risking now; don't gamble the house down payment on a short term rally. The best strategy is to Dollar Cost Average out (DCA) of BTC into USDC over the next few months to lock in the amount you need. When you are ready for the final cash conversion for the house, the platform matters for speed. I use BYDFi because they integrate with tons of fiat providers like Banxa and Mercuryo, making the final off ramp much cleaner and faster than waiting for a slow bank transfer. You can get easy platform access without the heavy verification burden, and then use simple DCA tools or Grid Bots to manage your remaining stack.

coinfeeds-bot

tldr; Coinbase is preparing to launch a regulated prediction market platform in collaboration with Kalshi, leveraging Kalshi's CFTC-regulated infrastructure. The platform will allow users to trade on real-world events like elections, sports, and economic data using USDC or U.S. dollars. This move aligns with Coinbase's goal to expand into traditional financial tools and capitalize on the growing prediction market space, which has seen weekly volumes surpass $2 billion. The initiative aims to bring prediction markets into the financial mainstream with regulatory compliance. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

coinfeeds-bot

tldr; Coinbase is reportedly developing a prediction markets platform, as revealed by tech researcher Jane Manchun Wong. Screenshots indicate the platform will be backed by Kalshi and offered through Coinbase Financial Markets. The interface will allow users to bet on events in economics, sports, science, politics, and technology using USDC or USD. This move aligns with Coinbase's goal to become an 'everything exchange.' Prediction markets are gaining popularity, with competitors like Crypto.com and Gemini also entering the space. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

jasonmie

USDT/USDC/etc...

victor1111111

COCA card pays in rewards in crypto USDC or EURC

Ajfox1974

I did sell everything a couple weeks ago for USDC. I’ve been torn between DCA down at every $5-$10k or waiting for a more significant drop, like buying a larger amount @ $70-$80k. I wish I’d sold eth at $4800+ and Sol at $250. But, that was about as close to perfect a move as you could’ve made.

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Post is by: Gullible-Tale9114 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1p0kzrq/brazil_is_moving_to_tax_international_crypto/ Brazil is weighing a plan to extend its IOF financial transaction tax to crypto when it is used for cross border payments especially stablecoins. Right now crypto transactions are exempt from IOF even though the tax applies to things like foreign exchange credit and securities so regulators see this as a gap in the system. The idea is simple… if you use USDT or USDC to move money abroad you should not get a better tax deal than people using the regular forex market. At the same time Brazil’s central bank has approved rules that treat many stablecoin transactions and some wallet transfers as foreign exchange operations which pulls them into the same oversight as traditional FX. This comes on top of a flat 17.5 percent tax on crypto capital gains which replaced the old progressive brackets and removed the monthly tax free threshold on smaller trades. On the reporting side the Federal Revenue Service has said its new crypto reporting rules will follow the OECD’s Crypto Asset Reporting Framework giving Brazilian authorities access to data on residents foreign crypto accounts once exchanges start sharing information. Brazil signed onto the CARF joint statement in late 2023 and has been building towards this since then. Other major jurisdictions are lining up too. The White House is currently reviewing an IRS and Treasury proposal to join CARF style reporting for US taxpayers foreign crypto accounts the EU has already built CARF into its DAC8 directive with first reports due from 2026 data and the UAE signed the CARF agreement in September 2025 with exchanges expected to start sharing data in 2028. Big picture… governments are steadily shutting down crypto tax loopholes and getting much better visibility into international flows. Using stablecoins to dodge taxes on cross border payments is likely to get harder from here not easier. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Arijan101

>sorry for your money loss... you seem very exhausted and emotional. Nor have I lost anything, nor is my reaction emotional, it's plain common sense. More selling=price goes down, More buying= price goes up. >but i totally agree... why buy BTC for 126k when you can buy it much cheaper? it was 89k 1 year ago and it was 89k again today. BTC was 69k in 2021 and 69k again in 2024. Buy it or don't buy it at any price you seem fit, I don't see how this is relevant to the conversation. >if you look for something more financial and emotionally stable take a look at DAI, USDC USDT. You don't need to shill stable coins to me, I know what they are. >idk why you are so angry at me. i have a feeling we very much agree. and yes there is a lot of selling going on. even in the stock market. so you win BTC lose... happy? I'm not angry, just pointing out the obvious. >BTW. you know about liquidations right? say someone sell a bit ammount of BTC causing a price drop so big it causes major liquidations. then buy back more than they initally sold.... price is now still lower than what it was before they sold. It's called market manipulation, major exchanges and whales are doing it all the time. This is exactly what OP's data shows. At around 90k major exchanges are massively exchanging their stable coins for BTC aka buying, in order to liquidate as many short sellers as they can. >Supply and demand. at the current price BTC needs a positive inflow of $42M daily to not drop in price with its current inflation. Here is some info from [Tokenomist.ai](http://Tokenomist.ai) This is irrelevant data, as long as a few big players have enough resources to easily manipulate the market.

Gubbie99

sorry for your money loss... you seem very exhausted and emotional. but i totally agree... why buy BTC for 126k when you can buy it much cheaper? it was 89k 1 year ago and it was 89k again today. BTC was 69k in 2021 and 69k again in 2024. if you look for something more financial and emotionally stable take a look at DAI, USDC USDT. idk why you are so angry at me. i have a feeling we very much agree. and yes there is a lot of selling going on. even in the stock market. so you win BTC lose... happy? oh wait... OP shows data that signals more people buying in. BUT ETF outflows is still very much negative. you know Schrodingers cat? Could very much be this case. (a lot of individuals buying back in at these prices and at the same time whales are still selling) BTW. you know about liquidations right? say someone sell a bit ammount of BTC causing a price drop so big it causes major liquidations. then buy back more than they initally sold.... price is now still lower than what it was before they sold. Supply and demand. at the current price BTC needs a positive inflow of $42M daily to not drop in price with its current inflation. Here is some info from [Tokenomist.ai](http://Tokenomist.ai) [](https://tokenomist.ai/bitcoin) $42.20Mper day [](https://tokenomist.ai/solana) $9.90Mper day [](https://tokenomist.ai/ethereum) $8.33Mper day [](https://tokenomist.ai/official-trump) $4.95Mper day i think you are in the wrong sub if you are not interested in discussing various aspects of the crypto markets. now i think some see BTC at 30% discount from ATH and some might just follow stock markets investment sentiment. either way. people might have different ways to invest their money.

highschoolhero24

That’s actually a fair question. USDC is continuing to benefit from more adoption but the fees are still quite high for small transfers compared to small transfers of Bitcoin but those fees could be argued to be less when you account for the risk of Bitcoin losing value before you have the chance to convert to local currency. USDC as a vehicle has no upside in terms of investment value but it does have downside risk from both depegging risk if Circle (the company that issues USDC) is hacked or experiences a liquidity crisis. USDC is also far more vulnerable to wallet compromise and exchange/protocol hacks. The Smart Contracts are considered to be strong but they don’t have nearly as much security tenure or credibility compared to Bitcoin.

Ok_Education6042

Honestly, this is the kind of post people don’t appreciate until they live through a full cycle themselves. Taking profit at the top always looks “crazy” in real time, then looks genius in hindsight. BTC doing what BTC always does, massive run-up, brutal correction, shouldn’t surprise anyone who’s been around. Sitting in USDC and waiting isn’t being bearish, it’s being disciplined. Most people panic-buy the dip way too early and then get chopped up all the way down. If we really revisit 45–50K, or even deeper, the re-entry opportunities will be insane. Good call, a reminder that sometimes the smartest trade is patience.

Enough-Run-1535

It's up to 9%. Take USDC: it's currently 4.39% on the Etherium market. It fluctuates between 2% to 9% depending on the utilization rates. You can also stake the receipt aUSDC tokens for an additional 6.5%, but you're locked in for a 20 day cool-down if you want to pull out.

Martzee2021

Don't want to ruin your conviction but it just broke below 90K and charts don't look very pretty either. I don't like what I am seeing out there. So, sorry but I am waiting this out in cash and USDC until the charts show uptrend again.

Majestic_Ad_2198

That’s what I’m doing! I pulled my profit to USDC and am just going to buy again when it stabilizes

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Post is by: KarimHann and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1p03rg5/sold_everything_at_122k_btc/ Everyone said I was crazy and that Bitcoin was going straight to 200K. Turns out it was one of the best decisions of my life. BTC now is showing exactly why taking profit matters. Historically, Bitcoin corrects 70%+ from its all-time highs during major cycles. For a 122K top, a typical 70% drawdown would put BTC around 36K. Even a lighter correction to the 45–50K range would still let me nearly triple my BTC stack. Right now, the smartest move is literally to do nothing. Stay calm, stay in USDC, and let the market bleed out. Patience = entries you’ll never get if you panic-buy on the way down. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

masonroese

I think if tether truly exploded it would obliterate a good chunk of faith from the crypto world. Even "fully backed assets" like USDC would have a hard time capitalizing and gaining public trust. But as it stands, I think tether is just going to serve as a good "I owe you" until Bitcoin looks to crash towards 0. But at that point crypto is done (Note: I'm dumb as fuck)

DreamingTooLong

If tether imploded wouldn’t USDC and DAI, PYUSD, and USD1 quickly take its place?

One-Formal-824

i've used quite of these card, but Nexо suites me best. There are no monthly fees, the cashback is good, and i don't need to lock any tokens. Beside, i pay off my card with USDC, so i don't have to sell my tokens

noviwu97

ADA cultists will come and do mental gymnastic saying stablecoin is nasty and it's actually a good thing that there's no USDT/USDC in Cardano's blockchain

ACE1965DOTCOM

76,000,000 USDC so far for MONAD

ThatChrisGuy7

Huh, didn’t know I could lend my USDC for 7.5% on Coinbase

ACE1965DOTCOM

Let’s fucking go Requested monad $5500 USDC worth

piggleii

Even the Ethereum Foundation doesn't swap their ETH to USDC onchain anymore. They literally use CEXs to dump their ETH on retail.

parakite

Lets look at that page, specifically its history. Lets look at 2021 , for example: 2021 Dec 17 [Adidas - Into the Metaverse NFTs](https://www.adidas.com/us/blog/825513-into-the-metaverse-lets-go)  Dec 13 [L’Oréal - Reds of Worth NFTs](https://www.bwconfidential.com/loreal-paris-usa-launches-nfts/)  Nov 29 [Budweiser - Budverse NFTs](https://decrypt.co/87175/budweiser-nfts-key-to-budverse)  Nov 01 [Burger King - Rewards Program](https://cointelegraph.com/news/burger-king-serves-up-free-doge-with-meal-purchases)  Oct 05 [Credit Suisse/Alaïa - Tokenized Shares](https://www.taurushq.com/blog/alaia-tokenises-its-shares-with-credit-suisse-powered-by-taurus/)  Aug 04 [Burberry - B Series NFTs](https://www.coindesk.com/markets/2021/08/04/british-fashion-brand-burberry-releases-first-nfts/)  May 17 [Birra Peroni - Utilizes EY OpsChain Traceability](https://publish-ey-prod-cdn.adobecqms.net/en_nz/news/2021/05/birra-peroni-is-the-first-industrial-organization-to-mint-unique-non-fungible-tokens-using-ey-opschain-traceability)  Apr 28 [European Investment Bank (EIB) - Bonds](https://www.eib.org/en/press/all/2021-141-european-investment-bank-eib-issues-its-first-ever-digital-bond-on-a-public-blockchain)  Mar 29 [Visa - USDC Settlement](https://usa.visa.com/visa-everywhere/blog/bdp/2021/03/26/digital-currency-comes-1616782388876.html)  Feb 10 [Mastercard - Integrated Payments](https://www.mastercard.com/news/perspectives/2021/why-mastercard-is-bringing-crypto-onto-our-network/)  Absolutely pointless links. Nothing of that is useful, and much of those links were scams ( nft and others).

FuckDataCaps

>and suddenly every flip from ETH to USDC Seems like they weren't only moving if it involved trading ETH/USDC pair

MariachiArchery

It is incorrect, you are correct. This is kind of an old meme when the tax laws changed regarding crypto. Technically, any swap, trade, purchase, or sell is a tax event. Converting UST to BTC is a tax event. Converting BTC to USDC is a tax event. Converting UST to USDC is a tax event. Converting UST to USD is a tax event. All of it requires reporting. Thing is a lot of people are not going to do that, like OP for example. But, if he takes his beginning balance against his ending balance, and pays a short term gain tax on that, he can accomplish a few things. First of all, he might be able to avoid an audit if he's claiming these gains. Now, while this is not the proper way to report crypto gains, it does have you paying income tax on the actual realized gain. So, if he does get an audited, or put through whatever he's being put through now, he will have already paid income tax, probably most of what was required, so he can avoid penalties on back taxes. You are correct, that this is not the proper way to account for and report crypto trades. But, doing it this way, when you otherwise wouldn't do anything (like OP here) is a way to at the very least pay a tax estimate, that *will* reduce your liability should this come back to bite you in the ass.

samsimon123

XLM can do and even more what XRP can! Also USDC, PYUSD and now even ripple launched their stable coin - all can do what XRP can.

OkSeries5363

Shouldn't cause issues.  If you sent USDC you purchased elsewhere to Coinbase and then sold it, Coinbase will not report a cost basis of zero. There are provisions for this in the legislation, there is a section for cost basis unknown. If the broken didn't fascilate the transaction so they don't know your cost basis, they report the transaction as cost basis unknown.

Django_McFly

I'm worried the most that Coinbase reports any USDC sales as me buying USDC for $0 and selling it for $1 and they send that directly to the IRS.